Will renters insurance cover lost keys and a change to my front-door lock?

I'm a bit forgetful and have a history of losing my keys. Can I count on renters insurance to cover me if I lose another set of keys in the future?

Answer
Generally speaking, no, a typical renters insurance policy will not cover lost keys and a change to your front-door lock. The only time that this would be covered is if the key was taken as a result of theft.
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Alexah Grinnell
Answered on Mar 08, 2021
Alexah Grinnell has been working in the insurance industry for 5 years with a primary focus of coverage consulting in the sales department. She has been working for Jerry Insurance since July of 2019 and has also has experience working for AAA and State Farm. She currently lives in Rochester, NY with her husband and 3 kids
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